St. George Emerging Talent

A brief introduction to
Customer Centered Design at BTFG




FEBRUARY 2013
Image of Square
Image of Square
How do you get better, more creative
  ideas and solutions for people?
Service Designer              Innovation Coach                Interaction Designer
Designing the entire          Guiding and advising on how     Creating compelling digital
customer journey across all   best to apply CCD. Quality      experiences that dovetail with
touchpoints, as well as the   control.                        an entire multi-channel service.
supporting backend
elements.




                       We are introducing new capabilities




Human Factors                 Visual Designer                 Business Factors
Specialist                    Condense complexity into        Bring a business lens to CCD.
Conduct and facilitate        visual simplicity. Online and   Prototype and iterate business
empathic customer research.   offline.                        models.
Extract insights.


                                                                                                 6
Building a world class team



                                        Helsinki
                                 Oslo
                             London

                 Iowa City
San Francisco
Silicon Valley                                       Shanghai




                                                                Sydney




                                                                         7
Some successes so far
Asgard Infinity eWrap        LifeCentral




   BT Super for Life           BTFG Employee Value Proposition
So, what is Design Thinking?




                               9
New categories, no precedent
Designing services, not just products
And we’re in good company
Innovations like these
help deepen customer relationships,
build advocacy and drive revenues.




                                      15
Start here




    We believe…
                                           Desirability
                                    Will customers want it?




                                          Successful
                                           financial
                                         services live
                                              here
                Viability                                        Feasibility
                Is there a strong                         Can we deliver it?
                business case?




We are using Customer Centred Design to create successful solutions

                                                                               16
It is an approach to innovation that starts with
              understanding people.




                                                   17
At it’s core, it is about keeping the customer at the
 heart of what we do. To help us do that there are
                        3 things.




                                                        18
Insight through empathy


Experimentation


Creative Collaboration
1. Insight through Empathy
"If I'd asked my customers what they wanted, they'd have
said a faster horse”                           HENRY FORD
Insight through Empathy
say        think    social




               do         feel    cultural




Insight through Empathy
Insight through Empathy
Insight through Empathy
Things to do today…




Insight through Empathy
                                    25
Observation
Spending time with users




    Insight through Empathy
Safari
Try it for yourself




     Insight through Empathy
Inspiration
Take a look at the world around you




    Insight through Empathy
2. Experimentation
  “Fail early to succeed sooner”
               DAVID KELLY, FOUNDER OF IDEO
Experimentation
Experimentation
Experimentation
Experimentation
Experimentation
Experimentation
Experimentation
Experimentation
Try it tomorrow




Insight through Empathy
                                            38
Rapido, piccolo, economico
Get visual and prototyping




    Experimentation
Test it
Get users to play with it




    Experimentation
“Success is going from
failure to failure without
losing enthusiasm.”
Winston Churchill




Experimentation
3. Creative Collaboration
  “The secret is to gang up on the problem,
  rather than each other”
                                       THOMAS STALLKAMP
Creative collaboration is…


                   respectful & cross functional
                  fuelled by inspiration & insight
                   enabled through story telling
                         and a shared memory
                         optimistic & generative
                           building on ideas


       (oh and some one needs to be the grown-up)


Creative collaboration
Make space
Create shared memories that help you collaborate




    Collaboration
Tell stories
Taking a look at the world around you




    Insight through Empathy
Brainstorming
Coming up with ideas …. lots of ideas




    Experimentation
Bring everyone together
DV&F the thing




    Collaboration
ASK who is your
customer &
what do they need?
TOGETHER…
get all the right
people in the room?
             Desirability




     Viability       Feasibility
TRY to embrace failure
and learn again and
again and again …

(bring everyone along
on that journey)
Thanks
…and enjoy yourselves ;)

Stget final

Editor's Notes

  • #3 Until recently, the banks felt steady, secure, solid … and able to withstand anything the economy threw at them
  • #4 Very soon, our biggest competitors won’t be the other banks. They’ll be 2 friends in a garage with a PC and an idea. We probably won’t be out-resourced, but we risk being out-innovated. Historically, we’ve approached the future in the following way…
  • #5 Very soon, our biggest competitors won’t be the other banks. They’ll be 2 friends in a garage with a PC and an idea. We probably won’t be out-resourced, but we risk being out-innovated. Historically, we’ve approached the future in the following way…
  • #11 The answer to this begins with a small product design company established in Silicon Valley, over 30 years ago at the birth of the PC era. A company called IDEO.
  • #12 The founder, a friend of Steve Jobs, was approached by Steve to design the first consumer mouse. IDEO also designed the first laptop, and is listed listed on the initial patent for a folding, portable computer. how do you design the first of something when there is no precedent? How do you prove that it’s going to be successful? If you’re designing the first mouse, you can’t simply go out and survey existing mouse users about their preferences. So IDEO focused on the potential users of the mouse. By understanding their behaviors, needs, approach to engaging with information and how they hold objects, they were able to identify what might be important to people when using a mouse. In order to conduct this research, they hire social scientists – anthropologists, psychologists … who would interview and observe people alongside engineers and designers.
  • #13 They honed their approach on thousands of projects. What they had refined was an approach to problem solving and innovation that can be applied to any problem that has a user of customer. Therefore, not just for product development but also for services, strategies etc. Clients started to approach IDEO to learn the approach, which often uncovered customer needs that they hadn’t identified. Fast forward 30 years. IDEO now tackles big complex problems for governments, non profits and corporates. The above is a project they did for Bank of America, creating enhancements to their debit card. IDEO designers observed people shopping, withdrawing and managing their accounts. They noticed the frustrations people had dealing with change from cash – keeping it in a jar at home. They noticed how some people round up cheques to their utilities to ensure they always had a positive balance. From these observations they developed the concept that every time a customer spends with their debit card, the rounded up amount is transferred to their savings account. Therefore, as they spend they save. This idea has now been adopted by many banks around the world.
  • #14 This approach to innovation is now described as design thinking and is now being adopted by companies, non profits and even governments around the world.We are actively building a culture of innovation by applying design thinking.
  • #30 Once you’ve understood your customers on a deeper level and identified unmet needs and opportunities, don’t rush to the finish line with the first idea that emerges. Entertain many options and find a way to test them cheaply and quickly. In the above picture, we are testing various service experiences for a High Net Worth individual at our private bank. These two staff members are role playing in front of their peers from across the business. We can test many options quickly and cheaply, before investing heavily in an idea that might not be attractive to customers.
  • #32 In addition to service experiences, we are also prototyping spaces.
  • #35  digital experiences…
  • #42 In order for prototyping to take hold inside an organization, you must be willing to fail. You need to create a culture that gives people permission to try without fear of failure. This is a big reason that design thinking has taken root inside our company. We have leaders who actively support the approach and give permission to their staff to engage.
  • #43 I briefly mentioned the importance of creating collaborative teams that solve the problem together…
  • #44 In order to successfully innovation, you need a culture that exhibits these qualities. If you squint, everything I’ve discussed today describes an entrepreneurial approach. You need inspiring leaders who are entrepreneurs or seek out and support entrepreneurs. You need to hire for these qualities. Ask yourself whether your organization behaves like this.